If the credit card owes 300,000 yuan, you can apply to the bank for deferred repayment or installment repayment. If you really can't pay for it for a while because of special circumstances such as work, you can take the initiative to call the bank, explain the reasons, prove that it is not malicious and there is a reason, and discuss whether you can postpone the repayment. If it is a malicious overdraft, it is suspected of credit card fraud and will be prosecuted by the bank and bear corresponding legal responsibilities. Malicious overdraft refers to the behavior that the cardholder overdraws beyond the prescribed limit or term for the purpose of illegal possession, and refuses to return it for more than three months after being collected twice by the issuing bank.

Too much credit card debt will greatly affect the life of cardholders. At this time, it is necessary to negotiate with the bank and sign a repayment agreement acceptable to both parties. Commonly used repayment methods include bill installment repayment and minimum repayment amount.

If it is installment payment, the cardholder can divide his bill into 24 installments according to the longest time that the credit card can be divided into 24 installments, so as to alleviate the current repayment pressure. However, it should be understood that although the bill will be charged a certain installment fee.

If the minimum repayment amount is adopted, the minimum repayment amount of the credit card is generally 65438+ 00% of the bill. As long as the user pays the minimum repayment amount before the repayment date, it is regarded as normal repayment, so the user can make the minimum repayment amount when the repayment date comes, so as not to cause his credit card to be overdue.

In addition to the above two negotiation methods, cardholders can also make turnover through relatives and friends. If the cardholder really can't pay back the credit card, he can give it to his family first. The consequences of overdue credit cards are very serious, and cardholders need to ensure that their credit cards will not be overdue.

Provisions on the standards for filing and prosecuting criminal cases under the jurisdiction of public security organs (II)

Article 54 [Crime of Credit Card Fraud (Article 196 of the Criminal Law)] Anyone who commits credit card fraud and is suspected of one of the following circumstances shall be put on file for prosecution: (1) Using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate, or using an invalid credit card, or fraudulently using someone else's credit card for fraudulent activities, with an amount of more than 5,000 yuan; (2) Malicious overdraft, the amount of which is more than 1 10,000 yuan. The term "malicious overdraft" as mentioned in this article refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and has not returned it for more than three months after being repeatedly urged by the issuing bank. Malicious overdraft, the amount of which is more than 1 10,000 yuan but less than110,000 yuan, has been fully repaid before the public security organ files a case. If the circumstances are obviously minor, criminal responsibility may not be investigated according to law.